TOTAL COMMUNITY
Charter #62245 · TAYLOR, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.16% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.02% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.71% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 39th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TOTAL COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.85M | 7th pct | 39th pct |
| Members | 6,368 | 8th pct | 33th pct |
| Net worth ratio | 14.99% | 85th pct | 69th pct |
| Return on average assets | 2.16% | 97th pct | 98th pct |
| Net interest margin | 4.02% | 72th pct | 85th pct |
| Cost of funds | 0.02% | 2th pct | 3th pct |
| Loan-to-share | 46.15% | 9th pct | 36th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 52th pct |
| Net charge-off ratio | 0.49% | 64th pct | 52th pct |
| Loan growth YoY | -5.06% | 6th pct | 13th pct |
| Share growth YoY | 3.03% | 43th pct | 41th pct |
| Efficiency ratio | 61.71% | 11th pct | 2th pct |
structural peer set hash: b828c91a3cc78607f633f12866479feb… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.